An old Indian wanted a loan of $500.The banker pulled out the loan application, and said: "What are you going to do with the money?"

　　"Take jewelry to city and sell it, "He responded. 

　　"What have you got for collateral?"

　　"What is collateral?"

　　"Well, that's something of value that would cover the cost of the loan. Have you got any vehicles?"

　　"Yes, 1949 Chevy Pickup."

　　The banker shook his head, "How about livestock?"

　　"Yes I have a horse."

　　"How old is it?"

　　"I don't know. It has no teeth."

　　Finally the banker decided to make the $500 loan.

　　Several weeks later the old man was back in the bank. He pulled out a roll of bills, "here to pay." he said. He then handed the banker the money to pay his loan off.

　　"What are you going to do with the rest of that money?"

　　"Put in teepee."

　　"Why don't you deposit it in my bank," the banker asked.

　　"I don't know what deposit is."

　　"You put the money in our bank and we take care of it for you. When you want to use it you can withdraw it."

　　The old Indian leaned across the desk, "What do you get for collateral?"

　　一个印第安老人想得到一笔500美元的贷款。银行家拿出贷款申请表，说“你贷这笔钱想做什么？”

　　“好把珠宝拿到城里卖掉。”老人回答。

　　“你有什么东西可用来当作抵押吗？”

　　“什么叫抵押？”

　　“啊，抵押就是某种物品，它的价值要足以抵消你所贷的款的金额。你有车吗？”

　　“我有一辆1949年的雪佛兰皮卡。”

　　银行家摇摇头，“那么，有家畜吗？”

　　“有，我有一匹马。”

　　“这马几岁了？”

　　“我不知道，但它都没有牙了。”

　　最后银行家还是决定贷给老人５００美元。

　　几周后，老人回到银行。他拿出一卷钞票，说，“这是还款。”然后他把钱交给银行家，还清了贷款。

　　“你准备用剩下的钱做什么呢？”

　　“放在账篷里。”

　　“你为什么不把钱存到我的银行里呢？”银行家问。

　　“我不知道‘存’是什么意思。”

　　“你把钱放到我们银行，我们为你保管。当你要用钱时，你可以再把它取出来。”

　　这时印第安老人把身子探到桌子的那边，问：“你有什么可以作抵押的吗？”